How do I access
the Online Enrollment option?Please select your state and then click on the Enrollment
button on the left side of the page.The Enrollment page will display a gold button labeled “Enroll
Online.”Click this gold button
and your computer will be directed to our online enrollment.You may also access the online
enrollment from our home page by clicking the “Enroll Online” button.

Is your website
secure?Yes, after you receive your quote, your
online enrollment is processed using a secure server that encrypts your
personal information.

How do I verify
that the website is secure?Check the web address: Normally, web
addresses begin with “http.”Secure websites will begin with “https.”Some browsers also display a “lock”
icon, usually in the lower-right portion of the window to indicate that
the site is secure.

I do not wish to
provide my credit card information over the Internet.Can
I purchase coverage with acredit card over the phone?No, the credit card payment option is
only available on our secure website.We do not accept any other electronic payment types.If you do not wish to enroll online,
you must submit your enrollment via mail with a check or money order.

COMPLETING THE
FORM

What should my
effective date be?The effective date of your policy must
be on, or after, the inception date of the policy.You should request an effective date to
maintain continuous coverage (if your current coverage expires January 1,
you should request an effective date of January 1).Otherwise, you will lose any
previously established Retroactive Date (for prior acts coverage).If you do not have continuous coverage,
your new Retroactive Date will be the effective date of your new coverage.If you
discover that you have missed timely renewal and cannot obtain your
desired effective date online, please call RISC immediately to see if you
qualify for reinstatement of your coverage back to the inception of the
policy period.Reinstatement will
eliminate a break in coverage and loss of your Retroactive Date.Always pay your premium on time to
avoid a break in coverage and protect yourself from uncovered claims.If you are unsure about the inception
date of the group policy for your state, please refer to the chart below:

IDAHOOctober 1

IOWAJanuary 1

COLORADOJanuary 1

KENTUCKY*April 1

LOUISIANA*January 1

MISSISSIPPIJuly 1

NEBRASKAJanuary 1

NEW MEXICOJanuary 1

NORTH DAKOTA*January 1

RHODE ISLAND*April 30

SOUTH DAKOTA*January 1

TENNESSEEJanuary 1

*Note:Some of the above states are not yet
available for online renewal

I do not yet have
a license number.What number do I
enter for the license number?If you do not yet have a license number, you may
indicate that your license is pending by clicking the “pending” box which
appears next to the license number field.In order to add this number to your records, please notify RISC of
your license number once it has been issued.Please note that you must provide a license number for the
Nebraska program.

The license number
I entered in my enrollment is invalid.What should I do?Please refer to the instructions beneath the
license number field in order to correctly format your license number.
License numbers must be a submitted in a certain format and contain a
certain number of digits in order to accurately transmit your coverage
information to your Commission.If
you need assistance, please contact our offices.

I do not wish to
provide my social security number on my enrollment?What should I enter in the social
security field?You may choose to enter your social security
number as nine zeroes (Ex.: 000000000).Please note that the social security number is required for
licensees in Colorado in order to submit your verification of coverage to
the Commission.To help us
identify your information, you may also choose to enter 5 zeroes followed
by the last 4 digits of your social security number (Ex.: 000001234).Please note that failure to provide
this information may cause difficulties in notifying your commission of
your coverage.

I enrolled online
for my individual coverage.Is my firm
required to have a separate policy?Firm license coverage is
required for the following states: Idaho, Iowa, Colorado, and
Louisiana.Firm license coverage
is optional in Tennessee.

Why can’t my firm
purchase endorsements?Firm licensees are not eligible to
purchase endorsements other than the Conformity Endorsement for other
mandated states that require firm coverage.Firm license coverage is required in Iowa, Idaho, Colorado
and Louisiana. The Group Programs provide coverage to the real estate firm
by including the firm as an insured under the individual real estate
licensee's policy for the licensee's covered claims. Optional coverages
purchased by the individual real estate licensee will apply to the firm
when the firm is covered under the definition of insured. You may access
the Sample Policy on our website for the actual terms of the Group Program
or contact our Claims Department if you have any questions.

I
already enrolled online, but I would like to add endorsements.Can I purchase endorsements separately?Licensees may only purchase endorsements online if
purchasing group coverage online simultaneously.If you have already purchased group coverage and wish to add
endorsements, you must mail a completed enrollment form indicating the requested
endorsements along with the appropriate payment by check or money order
directly to RISC.Please note
under the premium portion of the enrollment that you have already
purchased group coverage.Also
note that endorsement premium payments cannot be prorated.

Why
isn’t my state listed under the Conformity Endorsement?A Conformity Endorsement is available for
licensees who are licensed in other mandated states (outside your home state) which
require proof of E&O coverage.This extension does not apply if you are a non-resident of your
Group Policy State.The states
listed are the only other states requiring proof of E & O
coverage.Please refer to your
policy to determine if professional services in any other states are
covered.

Where can I find evidence of the endorsements I purchased?Any endorsements selected will appear on page
one of your certificate toward the bottom of the page.If you would like to have the full-text
endorsement, you may contact our offices to receive a copy by mail, fax or
email.

Do I still need to send my enrollment form to RISC if I
enroll online?If you
have enrolled for coverage online, it is not necessary to submit the hard
copy of your enrollment form.

I am an appraiser. Why
is the appraisal coverage only available to real estate licensees?Appraisers without an active real estate license are not eligible
to purchase coverage under the Group Program.Please contact our offices if you require additional
information.

PROCESSING CREDIT CARD PAYMENT

Where can I get a
receipt of my payment?Once your payment is processed, you will
automatically receive an email receipt of your payment.If you did not receive your receipt by
email, you may have incorrectly entered your email address or it may have
been filtered by your Spam protection service.Please contact our offices if you would like a copy of your
payment receipt.

My credit card
payment failed.What should I
do?Please follow the instructions provided to
return to the enrollment and correct your information.Please make certain that the
information entered into the Billing Information portion of the form
matches exactly as it appears on your credit card statement.If you are not sure about the
information being submitted, do not re-submit your transaction until you
have verified your billing information with your credit card issuer.The payment amount may be deducted from
your available balance each time you submit your information, although the
funds may not ultimately be deducted from your account if the transaction
fails.If you are in need of
detailed information about the reason your payment failed, please contact
our offices.

PROOF OF COVERAGE

I am unable to
download my certificate?How can I
access my certificate?A link to your certificate of coverage is
provided upon the completion of online enrollment.Your certificate will download in .PDF
format.If you are experiencing
difficulty in downloading your certificate, you may need to update your
version of Adobe® Acrobat Reader® or other PDF Reader.For special assistance, please contact
our help desk at policyadministrator@risceo.com.Please make sure to reference your name
and Customer ID number in your email.

Will you notify my
commission that I have enrolled online?We will verify coverage electronically with your primary
state commission in the states where we provide the real estate
commission’s group program.However, it is your responsibility to provide verification to other
commissions and entities outside of your primary state.Please note that in some states, a hard
copy of the certificate is required for notification of your coverage.Please review the requirements for
licensing in your state to verify the preferred means of notification if
you are a new licensee.Please
note: If you do not provide an accurate name and license number as it
appears on your license, we cannot accurately verify your information with
your state’s commission.

CHANGES OR CANCELLATION

I made a typing
error on my online enrollment.How
can I correct my online enrollment?Please submit any changes
to your online enrollment in writing.Please include your name, license number, the Customer ID Number
indicated (on your email receipt) and the name on the credit card used for
payment.Please indicate in detail
the changes that need to be made.Do
not include your credit card number.Requests may be sent via email to policyadministrator@risceo.com
or via fax at (502) 897-7174.

My information has
changed since I enrolled for coverage online.How do I update my information?Please submit
any changes to your online enrollment in writing by completing an Information
Update form.You may obtain this
form on our website.The
Information Update form may be sent via email to policyadministrator@risceo.com,
via fax to (502) 897-7174 or via mail to PO Box 6709, Louisville, KY
40206.

Are cancellations
or refunds permitted?Cancellations or refunds are not
permitted after the inception date of coverage.Coverage does not take effect until an active license is
issued.In the event that the
license is never issued, cancellation may be permitted subsequent to
verification with the Commission.All refund requests must be submitted in writing to RISC prior to
the effective date of coverage with all information pertinent to online
enrollment and payment.